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SBA lending by industry

88 industries with enough SBA loans to say something useful. What a typical loan looks like in yours, and how often they go wrong.

88 industries

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Industry Loans Typical loan Typical term Default rate
Full-Service Restaurants87,747$203k10 yr3.2%
Offices of Lawyers77,155$120k10 yr2.2%
All Other Specialty Trade Contractors62,786$100k10 yr3.4%
Offices of Dentists56,080$185k10 yr1.7%
Beauty Salons41,752$145k10 yr2.3%
Landscaping Services35,087$100k10 yr3.0%
General Freight Trucking, Long-Distance, Truckload30,971$50k7 yr3.2%
General Automotive Repair30,864$150k10 yr1.6%
Beer, Wine, and Liquor Stores25,631$240k10 yr2.6%
Residential Remodelers23,706$65k8 yr5.8%
Other Miscellaneous Durable Goods Merchant Wholesalers22,586$200k10 yr2.2%
Fitness and Recreational Sports Centers20,714$231k10 yr2.9%
Other Miscellaneous Nondurable Goods Merchant Wholesalers14,931$153k10 yr2.5%
Hotels (except Casino Hotels) and Motels14,704$1.7M25 yr0.6%
Child Day Care Services13,720$273k10 yr0.7%
Offices of Real Estate Agents and Brokers13,249$222k10 yr0.8%
Sports and Recreation Instruction11,455$129k10 yr1.8%
Machine Shops9,928$270k10 yr2.0%
Insurance Agencies and Brokerages9,272$150k10 yr1.5%
All Other Miscellaneous Store Retailers (except Tobacco Stores)9,250$85k7 yr3.0%
Used Car Dealers8,903$185k10 yr1.8%
Retail Bakeries8,091$150k10 yr2.6%
Women's Clothing Stores7,608$75k7 yr4.1%
Electronic Shopping and Mail-Order Houses 7,201$100k8 yr4.7%
Gasoline Stations with Convenience Stores7,200$827k25 yr0.7%
Pharmacies and Drug Stores7,134$200k10 yr2.5%
Broilers and Other Meat Type Chicken Production6,349$341k12 yr0.6%
Other Building Material Dealers6,051$212k10 yr1.9%
Sign Manufacturing5,810$165k10 yr3.3%
Solid Waste Collection5,407$150k10 yr1.9%
Breweries5,110$202k10 yr1.2%
Motor Vehicle Towing5,011$100k10 yr2.5%
Sporting Goods Stores4,990$88k7 yr3.8%
All Other Miscellaneous Retailers4,905$150k10 yrno data
Commercial Printing (except Screen and Books)4,896$150k10 yr2.2%
Other Commercial and Industrial Machinery and Equipment Rental and Leasing4,845$150k10 yr1.9%
Assisted Living Facilities for the Elderly4,632$580k25 yr0.3%
All Other Miscellaneous General Purpose Machinery Manufacturing4,501$250k10 yr2.1%
Highway, Street, and Bridge Construction4,304$150k7 yr3.0%
Independent Artists, Writers, and Performers4,107$75k10 yr2.3%
Investment Advice4,021$250k10 yr0.5%
Furniture Stores3,640$150k10 yr3.1%
Limousine Service3,142$55k7 yr4.0%
Motion Picture and Video Production2,697$81k10 yr1.8%
Wood Kitchen Cabinet and Countertop Manufacturing2,519$150k10 yr2.1%
Couriers and Express Delivery Services2,515$150k10 yr3.7%
Clothing and Clothing Accessories Retailers2,477$130k10 yrno data
All Other Miscellaneous Wood Product Manufacturing2,247$225k10 yr3.2%
Pharmacies and Drug Retailers2,110$225k10 yrno data
Other Motor Vehicle Parts Manufacturing2,052$250k10 yr1.1%
Gasoline Stations with Convenience Stores2,043$1.3M25 yrno data
Paint and Coating Manufacturing2,021$271k10 yr1.4%
Audio and Video Equipment Manufacturing1,901$270k7 yr2.1%
All Other Plastics Product Manufacturing1,770$350k10 yr1.8%
Electronics Stores1,707$100k7 yr6.7%
Nursery and Tree Production1,703$125k10 yr1.7%
Cut Stone and Stone Product Manufacturing1,667$250k10 yr1.1%
Furniture Retailers1,640$201k10 yrno data
Support Activities for Animal Production1,626$127k9 yr1.4%
Apparel Accessories and Other Apparel Manufacturing1,582$145k9 yr2.6%
All Other Telecommunications1,546$150k7 yr1.6%
Software Publishers1,524$100k7 yr2.3%
Wholesale Trade Agents and Brokers1,339$150k8 yr5.5%
Data Processing, Hosting, and Related Services1,269$150k10 yr0.9%
Support Activities for Oil and Gas Operations1,251$200k7 yr2.1%
All Other Miscellaneous Electrical Equipment and Component Manufacturing1,188$250k10 yr2.5%
Logging1,106$90k7 yr4.4%
All Other General Merchandise Stores1,079$50k7 yr3.6%
All Other General Merchandise Retailers1,067$100k10 yrno data
Water Supply and Irrigation Systems829$150k10 yr1.8%
Mortgage and Nonmortgage Loan Brokers810$150k10 yr2.9%
Iron and Steel Pipe and Tube Manufacturing from Purchased Steel796$256k10 yr2.2%
General Warehousing and Storage762$300k10 yr0.3%
All Other Information Services761$100k7 yr2.8%
Construction Sand and Gravel Mining549$150k7 yr1.7%
Scenic and Sightseeing Transportation, Water524$120k10 yr0.8%
Offices of Other Holding Companies512$350k10 yr0.3%
All Other Miscellaneous Textile Product Mills492$125k9 yr3.1%
All Other Converted Paper Product Manufacturing482$308k10 yr1.2%
Shellfish Fishing416$95k10 yr1.5%
Software Publishers406$150k10 yrno data
Nonscheduled Chartered Passenger Air Transportation330$300k10 yr1.1%
Radio Stations330$221k10 yr0.5%
General Medical and Surgical Hospitals317$175k10 yr2.2%
Textile and Fabric Finishing Mills285$150k8 yr1.5%
Business Associations284$78k10 yr1.1%
Leather and Hide Tanning and Finishing258$92k8 yr2.3%
Asphalt Paving Mixture and Block Manufacturing215$250k10 yr1.7%
Source SBA 7(a) FOIA Released 2026-06-30 All loans 2.11% default rate